I believe that through knowledge and discipline, financial peace is possible for all of us.

What would you do with an extra 20.00 a month, 240.00 per year? Save yourself 20.00 or more by switching these 10 purchases to the Dollar Tree without sacrificing quality at all! The store even carries many of the brands you are already buying. You’ll just have to go to your local dollar store and see for yourself which products you can switch to purchasing at the dollar store. These are only some of the items I purchase at the Dollar Tree to save our family money.

1. Greetings Cards
Save yourself approximately 1.50 or more per card purchasing your cards from the dollar store rather than a Hallmark card retailer. The cards at Dollar Tree are just as beautiful or funny than at other stores. I have also purchased beautiful packs of 8-10 Thank You cards for times I’ve been interviewed for jobs or after my son’s baby shower. At this price, you can keep multiple cards for a variety of occasions on hand. Balloons, gift wrap, and other party supplies are also just as well.

Sometime during our lifetime we spend more than we planned, saved less than we should have or just made some horrible financial decisions. A few financial misfortunes here and there can add up to a lot of lost cash. Check out these common money mistakes and follow the advice to help put you on the path to a brighter financial future.

Money Mistake #1: No idea where your money is going.

What’s The fix? Making a budget is the best thing you can do to find out all the ways you are throwing away your money. At the end of the month you see you have spent $250 on fast food and $0 on paying down your high interest credit card then you need to make some spending adjustments.

Money Mistake #2: Not having an emergency fund.

What’s The Fix? Try and save a chunk of money in case something unexpected happens. It’s a good rule of thumb to have 3-6 months of expenses saved in case of an emergency. Set a goal and don’t stop

I’ve made plenty of mistakes in my life regarding debt. I only wish I could go back in time and redo some of my spending decisions I made when I was younger. Obviously that is impossible, but maybe this post will help younger individuals who are about to go out and do something they might regret later in life.

I remember when I was 26, living in a nice area of San Francisco with three roommates. It was a good fun time in my life and I have several great memories from this period. I was very good with my money overall, but every once in a while something would come over me and I would do something that I would later regret.

When I was younger, I saw this new television at Circuit City (remember them?); I still remember the exact TV model. It was the Hitachi 61SWX10B and the price was $3,500. It was a rear projection television and was quite large; a 61″ unit that had a built in stand.

Here are a few ideas on managing your expenses to help you achieve your financial goals:

Take a look at your budget’s top 10 or so monthly expenses, there are almost always at least one or two items that you could do without, that you’ll end up with more cash at the end of each month.

Now is the time to ditch those bad habits of yours.

If you smoke, that will be the number one habit to kick. First- and second-hand smoking cause harm to both the one who smokes, and the people around him/her. Not to mention to raising tax on smoking habits.

Create a budget and stick to it. A budget helps you compare your monthly income and expenses, and determining needs versus wants.

Live Within Your Means. This is a no brainer. If you spend everything you earn at the end of each month, you’ll have nothing left to invest.

Keep a budget and plan for your finance. Be frugal. Buy only what you can afford and need. Don’t dress to impress your enemies.

If funding is needed by one of your grandchildren to begin a medical practice or to a start up a firm, you should help him to gear up his career. You may have saved money for the inheritance of your children and grandchildren and somehow you have agreed to loan your son out of that money.

A promissory note generally secures this money, even when its terms are not strictly enforced by some parents. If the promissory note is left unpaid until the death of the parents, the estate will count it as its asset that must be paid for. Interest will be imputed by the tax authority, if it is a larger amount of money. The loan will become a taxable income of the child, if the loan is forgiven by the parents.

Loan documents and estate documents control

These issues are generally controlled by the parents during his or her lifetime. You must write the loans on paper along with the repayment schedule. Extensive outlines of the remedies make up most of the loan and available on the open market that is reserved by the creditor. These are not so important, if

In a typical college business program, you will explore many of the fundamentals of the world of finance. There are some great opportunities though to get some hands on experience. One of the best is through the Goldman Sachs summer internship program. You will learn from experts in the industry. You don’t just shadow them, you work beside them!

Make sure you pay close attention to the deadline for the application. It is earlier than many of the other internship programs offered. If you send it in late, your information won’t be reviewed. If you wait too long to start getting it all together, you may be stressed and make mistakes along the way.

Who can Apply?

Individuals enrolled in an accredited business school who will be a junior or senior can apply for a Goldman Sachs summer internship. It doesn’t matter what your particular area of study happens to be as long as it is business related in some capacity. Applicants must be in good standing academically, show community involvement, and show an interest in business.

The application process does take time so don’t drag your feet getting started. You will need

There is no way to avoid dealing with money and finances these days. Therefore you should try to learn as much as possible to help you make good financial decisions and to increase your confidence about money.

When you make a budget, it should be realistic regarding your income and spending habits. Be sure to include all of your income such as alimony, child support, rental income, or any other. Always use your net income not your gross earnings in these calculations. Once you have the numbers, you can consider how to adjust your spending to stay within your income range. To maintain your budget never exceed your incoming cash flow.

The next step is to total up your expenses, and you should make a list of all monthly expenses. Your list should document each and every expense that you have whether it expense, spontaneous or just a one time expense. Remember that this list needs to have a complete breakdown of your costs. Be sure to add in expenses that you have from restaurant dinners and fast food as well as grocery bills. Reduce expenses linked to your cars, such as gas and insurance.

Retirement is an important event in the lives of almost all of the salaried employees. While they get excited about the post-retirement benefits that they are entitled to, managing them certainly becomes a cause of concern. Taxation is the most challenging aspect in the management of benefits that are received after retirement. It is absolutely necessary to distinguish between the ones that are exempted from taxes and those, which are taxable under the law. Also, there is a considerable difference in the way funds of a government employee are taxed and the manner in which employees of private sector are taxed. Given below are the common post-retirement benefits and their tax calculations:

Provident Fund: Recognized provident funds are completely tax-free, if they satisfy the conditions laid down by the prevailing laws. However, the interest and total amount paid with respect to the Employee Provident Fund (EPF) after retirement are not tax-free if the employer had been contributing more than 12 % of the employee’s salary to the fund. An employee is required to have rendered service of 5 years or more on a continuous basis, in order to qualify

Financial hardships can force you to declare bankruptcy as an easier way of working around them. However, it is a process that can be very complicated and you will need the assistance of a bankruptcy lawyer to file and do everything right. Generally there are commercial bankruptcy attorneys that help with filing for business and consumer bankruptcy attorneys who file for individuals. In a commercial setting, your business gets protection from creditors whereas in the consumer setting you or your spouse gets protection from creditors and dealing with clearing the debt or setting payment plans.

When to get an attorney

One of the best steps you can make when you are facing financial hardships is accepting that there is a problem and actually taking the right step in dealing with it. Inability to pay bills, bounced checks, lack of flow cash, constant creditor and debt collector calls, debt that keeps piling up and being unsure how to handle the situation are some of the signs that you need to get yourself or your business a bankruptcy attorney.

As a struggling business, your lawyer will be able to help you get time to restructure the

Inability to pay back debts often leads a person to loads of unwanted obligations. To get rid of those unwanted traits is really difficult. Following legal guidelines becomes essential in such situations. Yet, defaulters mistakes to do things all by oneself and gets trapped under misfortune situations for some reasons or the other. All these facts and features in a way depict the essentiality to adopt the experienced and knowledgeable guidance of legal service providers. Years of practicing strategies that they are stapled with comes with a guarantee that a person rapt with the negative after math of bankruptcy gets to overcome the same with positive best results.

People are often found to believe in the myth that bankruptcy is cheap and also not easy to overcome. Things are not so in any ways because, such unwanted facet may arise quiet unknowingly for both a salaried person and business holder. Hence, how to get rid of such perplexities must be the concern and nothing else. Needless to state to meet with such needs is ideally possible with the deftness and solving skills of bankruptcy law assistants in this domain. Their strategies are not only legitimate but

Almost 820,000 bankruptcy filings took place in 2015. If you’ve received the dreaded notice that a customer filed bankruptcy, there are a few things that you absolutely must do. A customer’s bankruptcy filing doesn’t necessarily mean that you don’t have any rights and that you won’t get any payment on the amount the customer owes to you. However, there are protocols to follow.

Stop Contacting the Customer
A bankruptcy establishes different rules for communication between the debtor and the creditor. From the point when you receive a bankruptcy notice, you are no longer allowed to contact the debtor and ask for payment. This is called an automatic stay. A trustee is assigned to the account and this trustee oversees all of the debtor’s assets and debts.

Although the bankruptcy notice will usually include contact information for the trustee, you will probably not be able to obtain additional information about the bankruptcy before the creditor’s meeting. Keep in mind, too, that the trustee’s office will not provide you with legal advice.

Get a Bankruptcy Attorney
Bankruptcy attorneys don’t only represent debtors-they also represent creditors. And bankruptcy law is complicated. If the amount at stake is

The short answer is “Yes,” it is possible to file for bankruptcy for free, which means, at no cost to the filer. First, the costs of filing for bankruptcy include the court’s filing fee, which currently is $335.00 for a Chapter 7 case, and $310.0 for a Chapter 13 case. These are the mandatory court filing fees, however, they can be waived.

In order to obtain a fee waiver of the bankruptcy court’s filing fees, at least here in the Central District of California, in some situations, the court may approve a filing fee to be paid in installments or waived completely. Note that if an installment payment plan is approved, the payment schedule must be complied with or the bankruptcy case may be dismissed without the debtor obtaining a discharge of debts.

Chapter 13 Petition Package – In chapter 13 bankruptcy cases, it is generally not allowed to have a filing fee waived or to pay in installments. The purpose of chapter 13 is to keep current with payments, and therefore if the filing fee is not affordable, the court will question a debtor’s ability to succeed in a chapter 13 case. There is

People are often influenced to give unsolicited advice to others about the easiest way to manage finances. Even though of the will make sense, the majority of these are very generic in general. You must exercise caution when you assemble a monetary strategy out from this information, though it’s important to create a precise and consistent plan.

Nevertheless, you happen to be still left together with the unanswered question. How would you prevent the decline of funds on stuff that are of no use, and yet approach managing your individual finances?

The Situation: A lot of people, including you, don’t fully understand how important it is to save cash with regard to their future. Figure out how to save first then spend, not the other way around. While this is superior to no savings in any way, it is definitely not the correct way to build an excellent savings plan.

Steps To Managing Your Individual Finances Well.

Listed here are some important tips that you can consider if you wish to reduce costs for the future. These techniques have helped a lot of people be successful at taking better proper care of their

Unlike someone calling himself a CPA or a physician, just about anyone can call himself a “financial planner” or a “financial advisor” regardless of their educational background and professional experience. Moreover, not all of them are unbiased in their advice and not all of them always act in their clients’ best interests.

To ensure your financial planner is well-qualified in personal finances and impartial in his advice, consider the following five things:

1. Planning Credentials: Having a highly-regarded credential in financial planning, such as Certified Financial Planner (CFP) or Personal Financial Specialist (PFS), confirms that the professional you intend to work with has acquired the education and experience necessary to serve as a financial planner. CFP and PFS credentials are awarded to only those individuals who have met the certification requirements of education and experience in planning for personal finances. In addition, they have to pass the certification examinations and agree adhere to the practice standards and continuing education requirements.

2. Subject Matter Expertise: Financial planners are planning professionals, not necessarily subject matter experts. For example, a financial planner will be skilled in tax analysis and planning,but unlike a Certified Public Account (CPA) or

A standby letter of credit is a Promise of payment issued by a bank on behalf of a client will receive payment upon the presentation of described documents in the event the buyer fails to pay the beneficiary according to the terms of the contract. It mostly used in national construction projects and in international commerce. The buyer in this gives instructions for making the document.

The format of letter of credit under a Standby letter can also be beneficial for payment on a deal. When reclaimed, the letter pay costs a broker and also the letter can be beneficial in a land development work to make sure that the permitted people investment will be assembled. The corporations to a Letter credit are generally a recipient who is to earn the money, the issuing bank of whom the applier is a client and the advising bank of whom the recipient is a client.

The key thing to remember with the standby letter of credit is bank it deals only in documents or goods and does not comprise them in the assurance and bond between two groups immediately. The only anxiety of issuing the bank is the

Tally, as an organisation, has gone through a roller coaster ride- right from being a start-up to a market leader, to seeing a meltdown in product pricing. It has several future goals and the main one is to become a 5,000 crore company in the near future. Bharat Goenka, the founder of Tally Solutions – India’s largest company in the accounting software domain has great ambitions. The company intends to surpass $2 billion in revenues by the completion of FY 16-17 at a growth rate that might make other start-ups to think.

Growing twenty times in few years’ time might come across as an unreasonable dream; however, the ambition to do so is perhaps more of a product of Tally’s unrealised ambitions than a statement of overconfidence. After a long road dented with struggle, success and then some huge mistakes, Tally seems to have discovered itself and sees no reason why it shouldn’t take the open road ahead in an alarming speed. The company’s founder seems to be clear on his priorities for the company this time around. According to him it’s quite easy to make money but not that simple to create an impact and

Financial three step plans, money making formulas and sowing and reaping scriptures can all be well and good, but if you have a poverty stronghold lodged and hidden in your mind, you may never enter your earthly wealthy place. If you feel you might have a poverty mental stronghold keeping you from your earthly wealthy place and you want to be set free, then this article is for you.

Gary was a Christian who had been taught in church that it was good to worship and serve God, but to have an abundance of “things” was not acceptable. The “prosperity message” was taboo. However, he eventually discovered that according to God’s Word, financial prosperity was the Christian’s inheritance and we are blessed to be a blessing.

So Gary began to implement all the prosperity truths he had learned, but instead of getting out of debt and enjoying the abundant life, he continued to flounder financially and stayed in debt. Fortunately, one day the Lord revealed to him the problem. All the earlier teaching on how it was wrong to seek prosperity had become a poverty stronghold in his mind that kept him out of his God-ordained

The origin of Islamic banking dates to the very beginning of Islam in the seventh century. The prophet Muhammad’s first wife, Khadija, was a merchant, and he acted as an agent for her business, using many of the same principles used in contemporary Islamic banking. In the Middle Ages, trade and business activity in the Muslim world relied on Islamic banking principles, and these ideas spread throughout Spain, the Mediterranean and the Baltic States, arguably providing some of the basis for western banking principles. In the 1960s to the 1970s, Islamic banking resurfaced in the modern world.

This banking system is based on the principles of Islamic law, also referred to as Sharia law, and guided by Islamic economics. The two basic principles are the sharing of profit and loss and the prohibition of the collection and payment of interest by lenders and investors. Islamic banks neither charge nor pay interest in a conventional way where the payment of interest is set in advance and viewed as the predetermined price of credit or the reward for money deposited. Islamic law accepts the capital reward for loan providers only on a profit- and loss-sharing basis, working on

Novated lease is considered as a financially productive way in securing yourself your dream car. There are two types of novated lease. A fully maintained lease and a non-maintained lease. Both leasing options allows you to get the car that you want through salary sacrifice and with tax benefits. However, one is more financially rewarding compared to the other. Let us differentiate the two through this article.

What is a fully maintained lease?

Fully maintained novated leases were designed with an easy life for a driver in mind. In this contract, a pre-determined amount is deducted from your wages before tax in each pay cycle to cover for the lease expense as well as the operating cost of your vehicle as well as any FBT payable.

The operating expenses that is included in your lease pay is reviewed in regular intervals to be able to be in a balanced amount. If your vehicle is costing more to operate than expected, you will be expected to add a top-up on your leasing account to meet the shortfall. On the other hand, if what is being deducted to your salary as operating expense exceeds your actual

If you are an Indian national and have never borrowed money from a lender before, you might feel confused and intimidated by the prospect. The younger generations at least can easily begin to do this online, since they are more familiar with the virtual environment. The online opportunities are far more varied.

Why apply for loans online
First of all, it is extremely easy and fast. It only takes minutes to provide the lender the needed information and submit your application. Then, you need to wait to be approved, but with certain lenders that can be instant. The third and final stage is when the money is deposited straight into the borrower’s bank account. The entire process is automated, so the borrower does not have to meet any person in order to obtain the loan. Personal or business loans can be obtained on the Internet through the peer-to-peer lending system.

The kind of loans one can apply for
In India, it is possible to apply online for short or long term loans. The money obtained this way can be used for various purposes, such as marriage, education, car, land or home purchase and so on.